Power Boating Offshore Travel Insurance
Cover for recreational power boating in offshore waters
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What is offshore power boating?
Offshore power boating involves travelling in a motorised boat beyond recognised inshore waters. Journeys can take place farther from the coast and may involve longer distances, more exposed conditions and fewer opportunities to return to shore quickly.
The boundary between inshore and offshore waters can vary. Check the applicable Policy Wording and make sure the activity selected matches the route, your role aboard the boat and the waters in which you will travel.
Can I get travel insurance for offshore power boating?
Yes, policies that cover recreational offshore power boating can be available through Direct Travel.
Offshore power boating must be added when getting your quote and should appear on your Policy Certificate or policy documents. Inshore power boating does not automatically cover journeys into offshore waters.
Things to remember:
- Add offshore power boating when getting your quote
- Check that it appears on your policy documents
- Make sure the cover matches your route and role aboard the boat
- Check the weather, sea conditions, and local maritime guidance
- Use an established operator and follow all safety instructions
What can travel insurance help with?
If you’re injured while taking part in insured offshore power boating, emergency medical expenses, and repatriation can be covered, subject to the terms and limits of your policy.
Depending on the policy selected, cover may also be available for cancellation, curtailment, and other travel-related problems. Personal Liability is not covered while using a motorised vehicle, including a power boat. Travel insurance does not cover loss of or damage to the boat, mechanical faults, repairs, towing or recovery costs. Maritime search and rescue costs are not automatically covered. Check the applicable Policy Wording.
Power Boating Offshore FAQs
Does offshore power boating need to be added to my policy?
Yes. Add offshore power boating when getting your quote and check that it appears on your Policy Certificate or policy documents before taking part.
What counts as offshore power boating?
It generally means travelling by power boat beyond recognised inshore waters. As geographical definitions can vary, check the applicable Policy Wording against your planned route.
Does inshore power boating cover offshore journeys?
No. Offshore power boating is a separate activity and must be added if any part of your planned journey passes beyond the applicable inshore area.
Is powerboat racing covered?
No. Recreational offshore power boating does not include racing, timed events, speed trials or other competitive use.
Is Personal Liability covered while power boating?
No. Personal Liability is not covered while using a motorised vehicle, including while operating or travelling in a power boat.
Is damage to the power boat covered?
No. Travel insurance does not cover loss of or damage to the boat, mechanical faults, repairs, towing or recovery costs.
Can medical expenses be covered if I am injured?
Emergency medical expenses can be covered if offshore power boating appears on your policy documents, your participation meets the policy conditions and the claim meets the policy’s terms and conditions.
Can I get cover if I have a medical condition?
Pre-existing medical conditions are considered separately from activity cover. Declare them when getting your quote, as cover is subject to medical screening and acceptance.
Cover is subject to the terms, conditions, limits and exclusions of your policy. Check that offshore power boating matches your route and role in the applicable Policy Wording, and review your policy documents before taking part.
